Digitize Your Microfinance Operations

Purpose-built for SACCOs, microfinance institutions, and savings groups. Handle loans, savings, shares, and member management with ease.

Member Management

• Member Registration: Complete profiles with KYC documents and verification
• Share Capital: Share purchases, transfers, and dividend calculation
• Membership Fees: Registration, annual fees, and automated billing

Savings Management

• Multiple Account Types: Regular savings, fixed deposits, children accounts
• Deposits & Withdrawals: M-Pesa integration, cash, and bank transfers
• Interest Calculation: Automated interest posting with various calculation methods
• Statements: Account statements, passbook printing, and transaction history

Loan Management

• Loan Products: Multiple loan types with custom terms, rates, and requirements
• Loan Application: Online applications, document upload, and approval workflow
• Loan Processing: Credit scoring, guarantor verification, and disbursement
• Repayment: Flexible schedules, partial payments, prepayments, and penalties
• Loan Recovery: SMS reminders, collection tracking, and restructuring

Financial Management

• Accounting Integration: Chart of accounts, journal entries, and financial statements
• Budgeting: Budget preparation, monitoring, and variance analysis
• Reporting: Portfolio reports, aging analysis, and regulatory returns

Mobile & Online Access

Member portal for checking balances, applying for loans, viewing statements, and mobile money integration for deposits and repayments.